| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +3.9% | +9.0 pts |
| Share growth (YoY) | +11.8% | +3.3% | +8.5 pts |
| Loan growth (YoY) | +9.4% | +2.9% | +6.5 pts |
| ROA | 2.17% | 0.69% | +1.5 pts |
| ROE | 14.9% | 5.9% | +8.9 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $233.4M | $197.7M | $116.3M | $34.0M | $1.3M | 2.17% | 4.02% | 0.71% | 17,037 |
| Q4 2025 | $224.9M | $190.0M | $114.4M | $32.8M | $5.0M | 2.20% | 3.87% | 1.13% | 17,402 |
| Q3 2025 | $217.4M | $184.4M | $111.4M | $31.5M | $3.6M | 2.23% | 3.93% | 0.74% | 17,319 |
| Q2 2025 | $216.4M | $185.1M | $108.3M | $30.2M | $2.4M | 2.21% | 3.85% | 0.84% | 17,059 |
| Q1 2025 | $206.8M | $176.8M | $106.3M | $28.9M | $1.1M | 2.08% | 3.87% | 0.59% | 17,099 |
| Q4 2024 | $197.6M | $168.5M | $105.5M | $27.8M | $4.5M | 2.28% | 3.68% | 0.76% | 16,831 |
| Q3 2024 | $190.7M | $163.2M | $102.9M | $26.6M | $3.3M | 2.31% | 3.75% | 0.74% | 16,502 |
| Q2 2024 | $193.5M | $167.3M | $101.2M | $25.5M | $2.2M | 2.26% | 3.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 0.69% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 5.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.51% |
| 15,746 |
Loan mix (Q1 2026): real estate $33.9M · commercial $4.4M · consumer $68.9M · securities $62.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 78.7% | 10th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 4 counties across 1 state (+0 vs 2024). Biggest market: Ward, TX, ranked 2nd with 24.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ward, TX | 2 | $74.1M* | 24.77% | 2nd |
| Reeves, TX | 1 | $37.0M* | 2.62% | 3rd |
| Winkler, TX | 1 | $37.0M* | 19.15% | 4th |
| 1 more county with Pro → | ||||
Texas: 404th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 5 · 2024 5 · 2025 5